| Metric | Evermore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.9% | +4.4% | +25.5 pts |
| Deposit growth (YoY) | +33.1% | +4.0% | +29.1 pts |
| Loan growth (YoY) | +31.2% | +5.6% | +25.6 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 5.2% | 11.9% | -6.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $316.9M | $269.1M | $265.2M | $42.0M | $1.1M | 0.70% | 3.50% | 0.00% |
| Q1 2026 | $314.4M | $270.6M | $246.5M | $41.2M | $361K | 0.47% | 3.35% | 0.00% |
| Q4 2025 | $293.8M | $250.5M | $218.3M | $40.4M | $1.6M | 0.67% | 3.68% | 0.00% |
| Q3 2025 | $271.2M | $228.6M | $212.7M | $39.9M | $1.2M | 0.71% | 3.73% | 0.00% |
| Q2 2025 | $244.0M | $202.2M | $202.1M | $39.4M | $911K | 0.83% | 3.66% | 0.00% |
| Q1 2025 | $215.2M | $174.3M | $173.6M | $38.4M | $34K | 0.07% | 3.52% | 0.00% |
| Q4 2024 | $196.1M | $155.4M | $138.2M | $38.2M | $2K | 0.00% | 3.80% | 0.00% |
| Q3 2024 | $185.5M | $144.9M | $115.2M | $38.0M | $-148K | -0.14% | 3.91% | 0.00% |
Loan mix (Q2 2026): real estate $237.0M · commercial $31.4M · consumer $224K · securities $14.8M
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Evermore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $269.1M branch deposits. Biggest market: Broward, FL, ranked 34th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 1 | $232.2M | 0.30% | 34th |
| Palm Beach, FL | 1 | $37.0M | 0.05% | 54th |
Florida: 162nd with 0.03% · Miami-Fort Lauderdale-West Palm Beach metro: 68th, 0.07% ·
Branch count: 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend up 35% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).